Why is the British bank able to offer its customer a banker's draft drawn in dollar?A．Its US correspondent bank prefers to make the payment.B．It will send dollar in cash by airmail.C．It has a dollar account with another bank in an American city where the
题目
Why is the British bank able to offer its customer a banker's draft drawn in dollar?
A．Its US correspondent bank prefers to make the payment.
B．It will send dollar in cash by airmail.
C．It has a dollar account with another bank in an American city where the beneficiary lives.
D．Its customer has a dollar account with it.
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第1题：
短文理解
听力原文： The Chinese currency is the Renminbi. China has maintained a unified managed floating exchange rate since January 1994. The exchange rate of the Renminbi is determined by the inter-bank foreign exchange market. The People' s Bank of China announces a reference rate for the Renminbi against the US dollar, the Hong Kong dollar, and the Japanese yen based on the weighted average price of foreign exchange transactions during the previous day's trading. Daily movement of the exchange rate of the Renminbi against the US dollar in inter-bank foreign exchange market is limited to 0.3% on either side of the reference rate as announced by the PBC. The buying and selling rates of the Renminbi against the Hong Kong dollar and the Japanese yen may not deviate more than 1% on either side of the reference rate. In the case of other currencies, the deviation may not exceed 0.5% on either side of their respective rates.
21. When did China begin to maintain a unified managed floating exchange rate?
22.Who determines the exchange rate of the Renminbi?
23.What is the deviation allowed on daily movement of the exchange rate of Renminbi against the US dollar?
(21)
A．1992
B．1993
C．1994
D．1995
正确答案：C
解析：录音原文提到China has maintained a unified managed floating exchange rate since January 1994，中国从1994年1月开始实行单一的有管理的浮动汇率制。 -
第2题：
How is the clearing of checks involved in two banks in the same city?
A．Through the clearing house.
B．By transfer of funds from one account to another.
C．Through a correspondent bank.
D．By direct exchange of checks.
正确答案：B
解析：文章第三段提到Checks drawn on and deposited...from one counter to another. 在同一城市中，各银行是互相代收票据的，通过转账的方式进行票据交换。 -
第3题：
听力原文：If a customer informs his bank that a draft which has been issued to him has been lost, the drawee bank should be noticed immediately.
(8)
A．The customer should first notify the drawee bank of the loss of his draft.
B．The customer should first notify the drawer bank of the loss of his draft.
C．The customer should first notify the remitting bank of the loss of his draft.
D．The customer should first notify the collecting bank of the loss of his draft.
正确答案：B
解析：单句意思为“当客户丢失了银行开给他的汇票，则应立即通知付款行。” -
第4题：
What is the safer and more normal method for the importer's bank to effect the settlement?
A．To issue a banker's draft.
B．To arrange for payment by mail transfer.
C．To make the payment to its correspondent bank.
D．To ask the importer to pay the money on his dollar account.
正确答案：B
解析：文中提到The British importer can then send…the British bank to arrange for payment by mail transfer．相对较为安全的方法是邮汇。 -
第5题：
听力原文：M: I want to cash this check for my mother, but the teller told me to bring it here.
W: Yes, Sir. That's an out-of-town personal check. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.
Q: How will the bank deal with the man's check?
(18)
A．The bank will cash the check immediately.
B．The bank will issue a new bank account and deposit the money for him.
C．The bank will cash it for him until the proceeds are collected from the paying bank.
D．The bank will endorse the check before payment.
正确答案：C
解析：根据女士的说法，男士不能直接使用个人支票提取现金，因为这张个人支票跨出了地域范围，需要等到支付行付了手续费后，才能提取现金。 -
第6题：
The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.
A．Right
B．Wrong
C．Doesn't say
正确答案：B
解析：文中第一句话The correspondent banks are paid indirectly,...as well as by direct money payments.可以看出。 -
第7题：
A bank reconciliation should be prepared periodically because ( )
A. the depositor's records and the bank's records are in agreement
B. the bank has not recorded all of its transactions
C. any differences between the depositor's records and the bank's records should be determined, and any errors made by either party should be
正确答案：C
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第8题：
In the case of MT，the remitting bank issues a draft to its customer，and directs its foreign branch or correspondent by mail to make the payment to the beneficiary.
A对
B错
错
略 -
第9题：
In the case of MT，the remitting bank issues a draft to its customer，and directs its foreign branch or correspondent by mail to make the payment to the beneficiary.
正确答案:错误 -
第10题：
问答题Practice 10 The U. S. Dollar is the currency most often used in international trade. If the currency of export sales is different from the currency of the exporting country, for example a Japanese exporter sells in U.S. Dollars, the exporter may encounter exchange risks-risks from fluctuations in exchange rates, for example between the U. S. Dollar and the Japanese Yen. In case of the Yen appreciation at the time of converting the U.S. Dollar to the Yen, the exporter will get less Yen per U.S. Dollar. Conversely, in case of the Yen devaluation the exporter will get more Yen per U.S. Dollar. Hence, in time of currency appreciation in the exporting country, it is important that the exporter ships the goods earlier, unless an earliest date for shipment is stipulated in the L/C or has been agreed upon between exporter and importer, and present the negotiating documents to the bank immediately. The exporter may contract with the bank to sell the U.S. Dollar forward in a so-called forward exchange, at a predetermined rate on an agreed future date, thus he/she will not be affected by the currency appreciation and will receive a fixed amount in his/her own currency at a future date.正确答案： 【参考译文】
美元是国际贸易中使用最多的货币,假如出口国在出口时所使用的货币与本国货币不同,例如日本出口商在出口时使用了美元,该出口商就有可能遇到汇率风险,汇率风险即由于汇率浮动而产生的风险,例如在美元与日元兑换时出现的风险。
如果将美元兑换成日元时出现日元升值的情况,出口商每一美元所换日元就会减少。如果情况相反日元呈贬值趋势,出口商每一美元所换日元就会增加。因此,在出口国货币升值时,出口商提前装船并将议付单据立即提交给银行具有重要意义,除非信用证规定或进出口双方已达成协议不得提前装船。
出口商可同银行签订合同,在未来交割日期,按照预定汇率,提前将美元卖给银行,这即是所谓的远期外汇。至此,出口方将不受货币升值带来的影响,在未来交割日期,收取一定数额的本币。解析： 暂无解析 -
第11题：
问答题Why are American companies in France less affected by the dollar’s decline?正确答案： Their property is in different currencies.解析：
事实细节题。通过关键词less affected对应到原文第七段，本段内容指出，在法国运行的美国公司的资产是多种货币的，并不只有美元，因此受到美元贬值的冲击较小。因此答案为Their property is in different currencies。 -
第12题：
判断题In the case of MT，the remitting bank issues a draft to its customer，and directs its foreign branch or correspondent by mail to make the payment to the beneficiary.A对
B错
正确答案： 错解析： 暂无解析 -
第13题：
听力原文： Banker's acceptances are a very old form. of commercial credit. They provide, in essence, a method whereby a bank may add its good name and reputation to bills of a borrower, thereby making the bills much more marketable than it would otherwise be. Specifically, the mechanics of the operation typically, work like the following. Suppose that an American exporter sells wheat to a German importer. The terms of the sale are that the German importer will pay for the wheat ninety days after it is shipped. For a variety of reasons, however, the American firm may want its money now, and not want to wait the ninety days. If so, it may issue a draft on its bank ordering the bank to pay a stipulated sum of money to the holder of the draft ninety days from now. Along with the draft, the American exporter will send the appropriate documents showing that the wheat has actually been shipped. When the bank receives the draft, together, with the documentation, it stamps "accepted" across the face of it.
27. What are banker's acceptances?
28.Who is the drawee of the draft mentioned in the passage?
29.What should be attached to the draft when it is presented for acceptance?
30.How does the bank accept the draft?
(27)
A．They are drafts issued by a bank on another bank.
B．They are a very old form. of commercial credit.
C．They are exchange bills discounted by customers.
D．They are checks cashed through the ATMs.
正确答案：B
解析：录音原文提到Banker's acceptances are a very old form. of commercial credit。 -
第14题：
短文理解
听力原文： The Tokyo stock market responded calmly yesterday to the collapse of two Japanese financial institutions, with prices finishing higher on strength in high-tech issues. The US dollar fell back against the Japanese yen.
The dollar started higher in Tokyo amid concern about the collapse of the nation's largest credit union and Hyogo Bank, a regional bank based in Kobe. It reached 99.40 yen at one point, its highest level since 99.45 yen on February 8.
At late afternoon, the dollar was traded at 97.46 yen, down 1.32 yen from late Wednesday in Tokyo and also sharply below its overnight New York level of 99.01 yen. The US currency ranged in Tokyo between 96.82 yen and 99.40 yen. Meanwhile, share price rose as higher future prices and rising high-tech issues supported the whole market. Export-related high-tech stocks have gained significantly, supported by the stronger dollar.
21. How did the Tokyo stock market respond to the collapse of two Japanese financial institutions?
22.What was the price of the dollar against Japanese yen at late afternoon?
23.What kind of stocks has risen in the Tokyo stock market?
(21)
A．With little concern.
B．With calm.
C．With great interest.
D．With confusion.
正确答案：B
解析：录音原文提到The Tokyo stock market responded calmly yesterday to the collapse of two Japanese financial institutions，…东京股票交易所昨天对日本两大金融机构破产的消息反应平静。 -
第15题：
What will the correspondent bank do in the settlement according to this passage?
A．It will make payment in dollars against the banker's draft.
B．It will send the draft to the bank in Britain.
C．It will issue a documentary credit.
D．It will have an agreement with the bank mentioned.
正确答案：A
解析：文中提到it simply issues a dollar cheque or draft drawn on that account．所以A选项符合题意。 -
第16题：
Who is the "recipient" in the settlement?
A．The correspondent bank.
B．The British bank.
C．The British importer.
D．The American supplier.
正确答案：D
解析：收款是美国的供应商。所以D选项正确。 -
第17题：
If the beneficiary does not bank at the bank on whom the draft is drawn, the funds will be treated as ______.
A．uncollected
B．uncleared
C．unclaimed
D．uncommitted
正确答案：B
解析：句意：如果受益人未在汇票签发银行开户，此资金将被当做未清算资金。uncollected未收款的。unclaimed无人认领的。uncommitted未受委托的。 -
第18题：
Under the bond terms in international business, after the bank has paid the necessary compensation, it will make an entry to his customer's account on the ______ side.
A．debit
B．credit
C．assets
D．liabilities
正确答案：A
解析：文章第二段提到exporter is asked to sign a…paid out under the bond。如果由银行出具保函，出口商需签订相应的赔偿保证书，这样银行才有权按照保函上的规定借记出口商账户。 -
第19题：
资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer.
Passage:
As a teenager between the age of 13 and 18,maybe you would like to manage your own money and have your own bank account.The good news is that Bank of Monsell has just launched several great solutions for you.
The first one is the Teen Discounted Bank Plans（TDBPS）.TDBPS feature a discount of $9.95 per month on your monthly bank fee—that’s a savings of up to $120 per year.It’s the primary and most common account chosen by nearly 45% of our teen customers.If it is not to your liking,maybe the following alternatives which offer more discount and benefits on your bank accounts are able to meet your demands.
In a Plus Plan,you can have up to 30 transactions per month free of charge on as many as accounts as you need on the condition that your Primary Chequing Account must be your lead account,the one you designate to pay any fees required by your Bank Plan（i.e.monthly plan fees,transaction fees）.It includes Primary Chequing and up to 19 more eligible accounts.You can make 30 transactions either in branch,by phone,online,by mobile or at an ATM of Bank of Monsell.From the 31st transaction,a fee of $0.7 per transaction will be charged.A Plus Plan is able to help save you up to $288.60 a year on fees.Besides,it enables you to send money globally to over 200 countries and territories via Interact e–Transfer through its Online Banking. A Plus Plan offers preferred exchange rate only when buying U.S. cash （up to $5,000 U.S. per transaction）.
In a Performance Plan,the number of transactions is unlimited on as many as accounts as you need,meaning that you can make as many everyday banking transactions as you want free of chargein branch,on line or at an ATM of Bank of Monsell.It does not include phone banking services.However,a fee of $4.00 a month is charged for this service.It also includes Primary Chequing and up to 16 more eligible accounts.It helps you save up to $456.60 a year on fees.It also enables you to send money globally to over 200 countries and territories via Interac e–Transfer through its Online Banking.What’s more,one non-bank of Monsell ATM withdrawal on the Interac network per month is offered.A Performance Plan offers preferred exchange rate when buying or selling U.S.cash（up to $5,000 U.S.per transaction）.
In a Premium Plan you can also make unlimited transactions on as many accounts as you need at a monthly fee of $15.05.It includes Primary Chequing and up to 15 more eligible accounts.The everyday banking transactions of this plan should be controlled fewer than 40,or you have to pay a fee of $0.8 for every transaction beyond 40.It helps save up to $791.95 per year on fees.What’s more,5 non-bank of Monsell ATM debit transactions on the Interac network and 5 international debit transactions using non-bank of Monsell ATMs per month is included.However,it does not have the ability to send money globally to any country or territory via Interac e–Transfer through its Online Banking.A Premium Plan offers preferred exchange rate only when selling U.S.cash（up to $5,000 U.S.per transaction）.
You can apply for any of these accounts by phone,online or in person.Please feel free to call us at 1-870-226-5266 or write emails to Bank of Monsell Mike@yahoo.com or get on our website for any further details of these services and products.
The purpose of the writer in writing this passage is to_______.A.introduce the Bank of Monsell
B.analyze the products of Bank of Monsell
C.introduce certain products and services for teens
D.show the success of the Bank of Monsell答案：C解析：本题考查的是主旨大意。
【关键词】purpose of the writer in writing this passage
【主题句】第1自然段As a teenager between the age of 13 and 18,maybe you would like to manage your own money and have your own bank account.The good news is that Bank of Monsell has just launched several great solutions for you.作为年龄在13-18岁之间的青年，也许你打算管理自己的金钱，开立自己的银行账户。好消息是，Bank of Monsell刚好为你准备了一些合适的方案。
【解析】本题的问题是“作者写这篇文章的目的是？”A选项“介绍the Bank of Monsell”，B选项“分析the Bank of Monsell的产品”，C选项“介绍针对青少年的特定服务和产品”，D选项“展示the Bank of Monsell的成就”。文章开头就直接表达写作目的，根据主题句，就是介绍the Bank of Monsell为青少年准备的账户管理方案，涉及到产品和服务，吸引轻松前去开立账户。选项C正确。 -
第20题：
Questions from 31 to 35 are based on the following passage: The exporter, as drawer of a draft (bill of exchange), hands the draft to his bank, the remitting bank, who in turn forwards it to the buyer through a collecting bank in the buyer’s country. A draft (also called a bill) is a written order to a bank or a customer to pay someone on demand or at a fixed time in the future a certain sum of money. If shipping documents accompany the draft, the collection is called “documentary collection.” Documentary collection falls into two major categories: one is documents against payment(D/P); the other, documents against acceptance (D/A). Documents against payment, as the term suggests, is that the collecting bank will only give the shipping documents representing the title to the goods on the condition that the buyer makes payment. Where the paying arrangement is D/A, the collecting bank will only give the buyer the shipping documents after buyer’s acceptance of the bill drawn on him, i.e. the buyer signs his name on the bill promising to pay the sum when it matures. In return he gets what he needs – the shipping documents. Under D/A, the seller gives up the title to the goods – shipping documents before he gets payment of the goods. Therefore, an exporter must think twice before he accepts such paying arrangement. The meaning of D/A is（）.
- A、documents against acceptance
- B、documents against payment
- C、delivery after payment
- D、cash against payment
正确答案:A -
第21题：
A reimbursing bank has received a valid claim under its reimbursement undertaking and is instructed by the issuing bank not to honour the claim. In accordance with the URR725, the reimbursing bank should: （）
- A、Reques tthe claiming bank to cancel the claim
- B、Instruct the claiming bank to contac tthe beneficiary
- C、Honour the claim and debit the issuing bank’s account
- D、Dishonour the claim as per the issuing bank’s instruction
正确答案:C -
第22题：
单选题What can we learn from the passage?ABecause of the devaluation of US dollar, American visitors shorten their trip to Europe.
BEurope does not forecast the huge drop of American visitors.
CNot only Paris but the whole Europe witnesses the reduction of American tourists.
DThe value of US dollar has become historical low.
正确答案： C解析：
推理判断题。文章第五段第一句意思是近来由于美元与欧元兑换率达到历史新低，因此不但到巴黎的美国游客减少了，甚至整个欧洲的美国客人数量都减少了，所以C正确。由文章前四段可以得出，美国人应付美元下跌不是缩短在欧洲旅游的时间，而是降低旅游期间的开销，所以A不正确。第五段提到：Paris has weathered a decline in tourism before，B选项错误。文章中提到虽然美元与欧元的兑换率达到历史最低点，但是美元的价值是否是最低还要参照欧元价值是否有变化而定，所以D“美元达到历史新低”不准确。正确答案为C。 -
第23题：
问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.正确答案： 【参考译文】
另外一种银行为美利坚银行,它既是商业银行又是准公共性质的中央银行。1791年,美利坚第一银行经国会特许成立,它的成立应归功于亚历山大·汉密尔顿。他就任财政部长后不久就对新生的美国面临的财政问题以及银行业的经济意义显示出极强的洞察力。美利坚第一银行在运作上很像是一家私人银行。与通常的商业银行不同的是,它拥有联邦政府为其合伙人和头号客户。它充当了联邦政府的财政代理:为政府保管税收收入、替政府办理账单支付以及为政府执行各种金融保管任务等。作为回报,政府将现金存入美利坚第一银行,从而使该银行有了巨大的金融基础。由于美利坚第一银行经联邦特许可在各州设立分行,而由各州特许成立的普通银行只能在其州内经营,所以相比之下,美利坚第一银行有很大的竞争优势。美利坚第一银行因而逐渐演化为某种“银行家的银行”,把握着监督较小的商业银行的权力。解析： 暂无解析